The top-rated foreclosure attorneie in Spokane, Washington is Law Office of Jason Couey, rated 4.9 stars across 169 reviews. Other highly rated options include Mc Bride Law Office: Elizabeth M. McBride (Lisa McBride), Schwab Law, Gravis Law, PLLC. This directory lists 15 foreclosure attorneies serving Spokane.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Law Office of Jason Couey | 1312 N Monroe St Suite 232 | (509) 326-5160 |
| 2 | Mc Bride Law Office: Elizabeth M. McBride (Lisa McBride) | 28 W Indiana Ave | (509) 838-0435 |
| 3 | Schwab Law | 1402 W Broadway Ave | (509) 795-1894 |
| 4 | Gravis Law, PLLC | 1309 W Dean Ave STE 100 | (509) 567-3003 |
| 5 | Gobel Law Office | 421 W Riverside Ave Suite 908 | (509) 624-4102 |
| 6 | Majors Law Group | 601 W 1st Ave Suite 1400 | (509) 266-8111 |
| 7 | Bristol George, PLLC | 601 W 1st Ave Suite 1400 | (509) 327-4700 |
| 8 | Wallace & Karson Law Office, PLLC | 1618 W 2nd Ave suite a | (509) 326-3600 |
| 9 | Campbell & Bissell PLLC | 820 W 7th Ave | (509) 455-7100 |
| 10 | Davidson Backman Medeiros PLLC | 601 W 1st Ave Suite 1400 | (509) 624-4600 |
The Law Office of Jason Couey provides foreclosure defense for both one-time consultations and ongoing representation throughout Spokane, Washington. The firm assists homeowners facing potential default, guiding them through options such as loan modifications and short sales. Legal counsel addresses lender communications and court proceedings while explaining local foreclosure procedures. The attorney answers clients’ questions and helps compile necessary documentation for each case. Services run on a one-time or as-needed basis, depending on the specific client situation and the stage of the foreclosure process.
Mc Bride Law Office, led by Elizabeth M. McBride, serves the Spokane, Washington area with foreclosure attorney services. The firm assists homeowners facing mortgage default and bank actions to protect their property rights. It represents clients through loan modification negotiations, loss mitigation options, and foreclosure defense litigation. The practice handles a full range of foreclosure-related matters, including contested hearings and short sale facilitation for local homeowners.
Schwab Law serves homeowners, businesses, and property managers in Spokane, Washington, who are facing the threat of foreclosure. The firm handles the legal complexities of default proceedings, helping clients explore options such as loan modifications or short sales. It focuses on guiding property owners through the court system to protect their assets from seizure. The practice also extends its representation to clients in the neighboring community of Spokane Valley.
Gravis Law, PLLC, based in Spokane, WA, provides foreclosure attorney services that include representing lenders, borrowers, and investors through the default and foreclosure process. The firm also offers ongoing case management and compliance support to help clients navigate changing regulations and maintain property rights during litigation. Its team handles single-family homes, apartments, retail buildings, and restaurants, ensuring each property type receives specific legal attention.
Gobel Law Office serves Spokane and the surrounding communities of eastern Washington with foreclosure attorney services. The firm handles all phases of the foreclosure process, including lender representation, deed in lieu transactions, and short sale negotiations. It also defends homeowners facing default against lenders and servicers. The office approaches each case by first evaluating the client’s financial circumstances and the property’s legal status before determining whether a contested or uncontested resolution is most appropriate.
Majors Law Group offers foreclosure defense and loss mitigation services in the Spokane, Washington area. Its practice focuses on guiding homeowners through default proceedings and exploring alternatives such as loan modifications or short sales. The firm assists with negotiating with lenders to help clients avoid unnecessary property loss. In the current period of rising interest rates, it helps residents address potential foreclosure risks from adjusting adjustable-rate mortgages.
Bristol George, PLLC focuses on foreclosure defense matters for property owners in Spokane. The firm generally handles legal counsel for those facing mortgage default or lender actions. It assists clients with navigating notice requirements, redemption periods, and procedural rights under Washington law. A seasonal or situational concern it helps address is the risk of a trustee sale following a missed payment during an economic downturn.
Wallace & Karson Law Office, PLLC in Spokane, WA distinguishes between representation for a single foreclosure case and ongoing counsel for property owners facing multiple cycles of distress. Their practice covers default proceedings, loss mitigation negotiations, and deed-in-lieu arrangements within Spokane County. These services typically involve defending homeowners during the pre-foreclosure and sale stages. Legal assistance is provided on an as-needed basis according to each client’s individual filing schedule and court deadlines.
When winter weather compounds financial strain in Spokane, homeowners facing mortgage delinquency need timely legal guidance to protect their property. Campbell & Bissell PLLC provides focused foreclosure defense counsel, helping clients navigate notices of default and potential trustee sales. The firm works with local lenders and borrowers to assess options within Washington’s non-judicial foreclosure process. An initial case review is offered to evaluate the homeowner’s situation and determine the next appropriate legal step.
What Does a a Foreclosure Attorney in Spokane Cost?
The cost of hiring a foreclosure attorney in Washington typically ranges from $1,500 to $5,000 for flat fee representation, depending on the complexity of the case and the stage of the foreclosure process. Attorneys may charge additional fees for bankruptcy filings, which cost approximately $300 to $1,000 in court filing fees, or for litigation if the case goes to court. Some attorneys offer payment plans or require a retainer upfront, with hourly rates between $200 and $400 per hour for ongoing work. Homeowners should request a written fee agreement that clearly outlines what services are included and any potential additional costs.
This information is provided for general educational purposes only and does not constitute legal advice. Foreclosure laws and costs can vary based on individual circumstances and changes in state and federal regulations. Homeowners facing foreclosure should consult with a qualified attorney to discuss their specific situation and obtain accurate cost estimates.
About foreclosure attorneies in Spokane
Foreclosure defense in Spokane, Washington involves a range of legal strategies designed to help homeowners who have fallen behind on mortgage payments. The process typically begins during the pre-foreclosure period, which starts after a borrower misses three to six months of payments. During this time, homeowners can pursue several options, including loan modification, short sale, or deed in lieu of foreclosure. Loan modification involves negotiating with the lender to change the terms of the existing loan, such as reducing the interest rate, extending the repayment period, or adding missed payments to the principal balance. A short sale allows the homeowner to sell the property for less than the amount owed, with the lender agreeing to accept the proceeds as full satisfaction of the debt. A deed in lieu of foreclosure involves voluntarily transferring ownership of the property to the lender to avoid the formal foreclosure process. Bankruptcy, particularly Chapter 13, can halt foreclosure proceedings through an automatic stay and allow homeowners to catch up on missed payments over three to five years. Reinstatement is another option, where the homeowner pays the entire overdue amount plus fees and costs by a specific deadline to bring the loan current.
Washington state law governs foreclosure through a primarily non-judicial process, meaning the lender does not need to file a lawsuit in court to foreclose. The timeline for a non-judicial foreclosure in Washington begins with the lender recording a Notice of Default with the county auditor after the borrower misses four consecutive monthly payments. The borrower then has 30 days to cure the default by paying the full overdue amount. If the default is not cured, the lender records a Notice of Trustee Sale, which sets a sale date at least 90 days after the notice is recorded. The trustee sale itself occurs at a public auction, typically on a Friday at the county courthouse. Washington law provides a right of redemption only in judicial foreclosures, which are rare for residential properties. In non-judicial foreclosures, there is no right of redemption after the sale. Deficiency judgments are generally prohibited in Washington for non-judicial foreclosures on residential properties with fewer than four units, meaning the lender cannot pursue the borrower for the difference between the sale price and the loan balance. The specific statutes governing foreclosure in Washington include RCW 61.24 (Deed of Trust Act) and RCW 61.12 (Mortgage Foreclosure).
Homeowners in Washington have several important rights during the foreclosure process. The right to cure allows the borrower to bring the loan current by paying the full overdue amount, plus fees and costs, within 30 days of receiving the Notice of Default. Washington also offers a mediation program for homeowners facing foreclosure, though participation is voluntary for borrowers. The state requires lenders to send a Notice of Pre-Foreclosure Options at least 30 days before recording the Notice of Default, which outlines available alternatives to foreclosure. Under federal law, the Real Estate Settlement Procedures Act (RESPA) requires loan servicers to respond to qualified written requests within 30 business days. A qualified written request is a formal letter from the borrower that identifies the loan account and specifies errors or requests information about the mortgage. The Truth in Lending Act (TILA) provides additional protections, including the right to rescind certain loans within three days of closing. Servicers must also comply with the Homeowner Assistance and Foreclosure Prevention Act, which requires them to evaluate borrowers for loss mitigation options before proceeding with foreclosure.
Loan modification remains one of the most common foreclosure defense strategies in Spokane. The federal Home Affordable Modification Program (HAMP) ended in 2016, but many lenders now offer proprietary modification programs with similar terms. These programs typically require borrowers to submit a complete application package, including proof of income, tax returns, bank statements, and a hardship letter explaining the financial difficulty. The lender then evaluates the borrower for a trial period plan, which usually lasts three to four months. During the trial period, the borrower makes reduced monthly payments to demonstrate the ability to afford the modified loan. Common reasons for denial include incomplete documentation, insufficient income to support the modified payment, or the borrower not meeting the net present value test, which compares the cost of modification to the cost of foreclosure. Borrowers should be prepared to submit updated financial information multiple times, as lenders often request additional documents during the review process. The entire loan modification process can take 60 to 180 days, depending on the lenders workload and the complexity of the case.
When hiring a foreclosure attorney in Spokane, homeowners should understand the typical fee structures and what to expect. Many attorneys charge flat fees ranging from $1,500 to $5,000 for foreclosure defense representation, depending on the complexity of the case and the stage of the foreclosure process. Flat fees often cover initial consultation, review of loan documents, communication with the lender, preparation of a qualified written request, and representation at mediation or settlement conferences. Some attorneys charge hourly rates between $200 and $400 per hour, with total costs varying based on the amount of work required. The timeline for foreclosure defense depends on the specific strategy employed. A loan modification typically takes 60 to 180 days, while a Chapter 13 bankruptcy filing can halt foreclosure immediately and provide a repayment plan lasting three to five years. Realistic outcomes include saving the home through loan modification or reinstatement, negotiating a short sale or deed in lieu of foreclosure, or using bankruptcy to delay or prevent foreclosure. Attorneys cannot guarantee specific results, as outcomes depend on the lenders willingness to negotiate and the borrowers financial situation.
Alternatives to traditional foreclosure defense include short sale, deed in lieu of foreclosure, cash for keys, bankruptcy Chapter 13 cramdown, and forbearance agreements. A short sale involves listing the property for sale at a price below the loan balance, with the lender agreeing to accept the proceeds as full payment. The process typically takes 60 to 120 days and requires the lenders approval of the sale price and terms. A deed in lieu of foreclosure involves voluntarily transferring the property title to the lender, which usually takes 30 to 60 days and may include relocation assistance. Cash for keys is an agreement where the lender pays the homeowner a lump sum, typically $2,000 to $10,000, to vacate the property voluntarily. Bankruptcy Chapter 13 cramdown allows homeowners to reduce the principal balance on certain investment properties or second homes to the propertys current market value, though this does not apply to primary residences under current law. Forbearance agreements allow borrowers to temporarily reduce or suspend payments for a set period, usually three to twelve months, with the missed payments added to the end of the loan term. Each alternative has specific eligibility requirements and tax implications, so homeowners should consult with a qualified attorney before proceeding.
Frequently Asked Questions
What are the specific timelines for a non-judicial foreclosure in Spokane, Washington?
In Washington, the non-judicial foreclosure process begins when a lender records a Notice of Default after the borrower misses four consecutive monthly payments. The borrower then has 30 days to cure the default by paying the full overdue amount. If the default is not cured, the lender records a Notice of Trustee Sale, and the sale must occur at least 90 days after that notice is recorded. The actual trustee sale typically happens on a Friday at the Spokane County Courthouse, and there is no right of redemption after the sale for non-judicial foreclosures.
How much does it cost to hire a foreclosure attorney in Spokane, Washington?
Foreclosure defense attorneys in Spokane typically charge flat fees ranging from $1,500 to $5,000, depending on the complexity of the case and the stage of foreclosure. Some attorneys charge hourly rates between $200 and $400 per hour, with total costs varying based on the amount of work required. Flat fees often cover initial consultation, document review, communication with the lender, and representation at mediation. Additional costs may include filing fees for bankruptcy or court proceedings, which can range from $300 to $1,000.
What is the legal process for a foreclosure case in Washington state?
The legal process for a non-judicial foreclosure in Washington starts with the lender recording a Notice of Default after four missed payments, giving the borrower 30 days to cure. If the default is not cured, the lender records a Notice of Trustee Sale, and the sale must occur at least 90 days later. The borrower can file a lawsuit to stop the sale if there are legal defenses, such as improper notice or violations of federal law. Washington law prohibits deficiency judgments for non-judicial foreclosures on residential properties with fewer than four units.